Critical Survey: Magyar Bancorp (MGYR) & Community Investors Bancorp (CIBN)

Magyar Bancorp (NASDAQ:MGYR) and Community Investors Bancorp (OTCMKTS:CIBN) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, institutional ownership, earnings, profitability and dividends.

Analyst Ratings

This is a summary of recent recommendations for Magyar Bancorp and Community Investors Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Magyar Bancorp 0 0 0 0 N/A
Community Investors Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

17.7% of Magyar Bancorp shares are owned by institutional investors. 3.9% of Magyar Bancorp shares are owned by insiders. Comparatively, 15.8% of Community Investors Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Magyar Bancorp and Community Investors Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Magyar Bancorp $26.47 million 2.55 $2.03 million N/A N/A
Community Investors Bancorp $7.61 million 1.87 $460,000.00 N/A N/A

Magyar Bancorp has higher revenue and earnings than Community Investors Bancorp.

Risk and Volatility

Magyar Bancorp has a beta of 0.04, meaning that its stock price is 96% less volatile than the S&P 500. Comparatively, Community Investors Bancorp has a beta of 0.11, meaning that its stock price is 89% less volatile than the S&P 500.

Dividends

Community Investors Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. Magyar Bancorp does not pay a dividend.

Profitability

This table compares Magyar Bancorp and Community Investors Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Magyar Bancorp 9.78% 5.31% 0.43%
Community Investors Bancorp N/A N/A N/A

Summary

Magyar Bancorp beats Community Investors Bancorp on 8 of the 11 factors compared between the two stocks.

About Magyar Bancorp

Magyar Bancorp, Inc. operates as the mid-tier stock holding company for Magyar Bank that provides various banking products and services to families and businesses in New Jersey, the United States. Its product portfolio includes various deposit products, such as demand, NOW, money market, savings, and retirement accounts, as well as certificates of deposit; and loan products comprising one-to four-family residential mortgage loans, multi-family and commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans, small business administration loans, and construction loans, as well as consumer loans, which primarily include secured demand loans. The company also provides non-deposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning for individual and commercial customers; and investment securities. It operates through seven branch locations in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison; and a loan product office in New Jersey. The company was founded in 1922 and is headquartered in New Brunswick, New Jersey. Magyar Bancorp, Inc. is a subsidiary of Magyar Bancorp, MHC.

About Community Investors Bancorp

Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio. It accepts checking and savings accounts, individual retirement accounts, time deposits, and health savings accounts. The company offers consumer loans, including personal, auto, home equity, and home improvement loans; commercial loans, such as real estate, term, business expansion, construction, and SBA loans; and mortgages. It also provides Internet and telephone banking, debit cards, night depositary and shareholder services, merchant services, and financial planning and investment advice services. The company was founded in 1888 and is based in Bucyrus, Ohio.

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